Credit Risk Analyst – Junior

Job Overview

We’re hiring a Junior Credit Risk Analyst to support the evaluation of applicants’ creditworthiness for loans and financial products. You’ll analyze credit reports, assess risk indicators, and help determine approval decisions. This entry-level role is ideal for someone analytical, detail-oriented, and eager to learn the fundamentals of risk management.

Responsibilities

Review applicant credit reports, financial histories, and supporting documents.

Analyze credit scores, payment histories, debt levels, and risk patterns.

Assist in preparing credit assessment summaries for decision-makers.

Track overdue accounts, monitor risk exposure, and identify early warning signs.

Maintain structured documentation of applicant evaluations and decisions.

Collaborate with senior risk officers to refine assessment criteria.

Requirements

Strong analytical skills with the ability to interpret financial and credit data.

Proficiency in Excel; familiarity with SQL is a plus.

Understanding of credit scores, credit bureaus, and basic lending principles.

High accuracy and attention to detail.

Bachelor's degree in Finance, Business, Economics, or related field.

Compensation

Competitive base salary plus incentive bonuses.

Benefits may include health coverage and PTO depending on employer.

Growth opportunities in Risk, Compliance, and Underwriting.

Credit Score Requirement

Because this role involves reviewing borrower credit history and working with sensitive financial information, a mandatory credit check and background verification is required.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.